An itemised Schedule of Works, prepared for your lender
Every line priceable, so every builder prices the same job.
HMO lender pack · Loan Ready · stage 1
Your Loan Ready pack, prepared for your lender, in 5 working days or your £1,500 back
The promise covers our delivery time, not your lender's decision. Full terms
"Kitchen £10,000" tells a lender nothing, and each question they send back is time you wait. The Loan Ready pack gives them an itemised schedule, cost per room and an appraisal.
£1,500 inc VAT (£1,250 + VAT), paid in full when booked.
Loan Ready starts once you have a named property: shortlisted or sale agreed.
20 minutes with Tahirah: your property, your finance, your timescale, and whether the package or one piece fits. No obligation.
You keep your builder. Book a call this week. Proposal within 24 hours. There's nothing to pay unless you go ahead.
Can't wait? Call Tahirah now on 01733 971 200.
Take the 2-minute checkFive quick questions, then Tahirah calls you back.
Adam Cooper, Director · 14+ years in property · 79 projects · £37.8M combined end value (GDV) of projects we've been involved in
What you get
- An itemised schedule of works (version 1), prepared for your lender and written from the architect's existing and proposed plans.
- Article 4, licensing and room-size check against the council's rules.
- Cost per room benchmark.
- Cost and finance appraisal your lender can read.
Why it matters: a thin schedule can mean questions, a smaller loan or a later drawdown, and the interest runs while you wait. An itemised pack shows your lender what the money is for.
Our 5-day promise
Our 5-day promise: your Loan Ready pack, prepared for your lender, in 5 working days or your £1,500 back. The clock starts the working day after we confirm by email that we have your payment and everything on our information list (we confirm, or tell you what's missing, within 1 working day). Working days are Monday to Friday, not bank holidays in England. If we're late, we refund the full £1,500 within 5 working days, to the account you paid from. You don't need to ask, and you keep the pack. The promise covers our delivery time, not your lender's decision, valuation or loan terms.
Our information list. Needed to start the clock:
- The property address.
- The agent's particulars or listing, with photos and a floor plan if there is one.
- The architect's existing and proposed plans, ideally the building regs plans.
- The purchase price.
- The rent you expect for each room or unit.
If you have them (they don't hold up the clock):
- Your expected GDV: what the property will be worth once converted. If you don't have one, we estimate it from the rent and a typical yield, and label it as our estimate.
- Your lender's or broker's terms: the loan-to-value for the bridge and the refinance, and the interest rate. If you don't have them yet, we use a typical rate and say so.
We can't work from a sketch. We need the architect's existing and proposed plans, ideally the building regs plans. The schedule is written in two stages. Stage 1: we write it from the existing and proposed plans, so you can apply for lending. Stage 2: we update it when the building regs plans arrive. One Stage 2 update is included in the price.
What we don't do
- We don't arrange finance. Your broker arranges the loan. The lending decision is your lender's.
- We don't promise your lender will accept the pack. We prepare the paperwork lenders usually ask for.
- We don't submit planning or licence applications. We check the position.
You keep your builder, and your broker.
Price
£1,500 inc VAT (£1,250 + VAT), paid in full when booked.
Loan Ready is credited in full against Build Ready or the package within 6 months. Moving up to the package costs the balance, £4,500 inc VAT (£3,750 + VAT). All the pieces and prices.
Want the rooms settled before you commit £1,500? Start with Layout only.
£714 inc VAT (£595 + VAT): the optimised layout, the furniture plan, the first-fix plan (first fix: wiring and pipes before boarding) and the decoration plan, on your architect's drawings, with every room checked against the council's HMO room-size rules. We need your architect's proper drawings, not a sketch.
It's a low-risk way to get to know us. See the quality of our work on your own house, for £714 inc VAT (£595 + VAT). If you like it, you'll have a good idea of the quality of the rest of the package.
Layout only isn't credited against Build Ready or the package.
Not sure which you need?
A 20-minute call will tell you.
or take the free 2-minute checkFive quick questions, then Tahirah calls you back.
Can't wait? Call Tahirah now on 01733 971 200.